My wife & I were contacted in November by Summit Consulting because of an Auctions for Income (Dave Espino) system I purchased from an infomercial a few weeks earlier. They were selling their services which would guarantee income using Auctions For Income. They told me that they were working with Dave Espino and Auctions for Income to help those with this system become successful (Never disclosing their real identity - Summit Consulting).

They promised an experienced coach as well as advertising to help attain our financial goals. I was told by a representative, Francois, that I would pay $6495.00 and there would be no further costs. I specifically asked a couple of times if he was certain that there would be no further costs involved. He repeatedly assured me there were no additional costs. Francois promised us that he would be our advocate & help us along the way. As a matter of fact, he gave us his number as well as his extension & asked us to call him anytime we needed anything or had any questions.

They put us on the phone with Discover Card & did a phone balance transfer for the amount stated above. Next, we were told that the company would contact us in the next few days to set up a session with a coach. Our session with the coach was about a week after we signed up with this company. (We later found out that the company's formal policy states that you have a three day right of rescission, yet they set our date with our coach for one week later, which prevented us from making an informed decision about the company.

How were we supposed to know about all the hidden costs associated with this system/company in the first three days? We didn't receive any of this information until our first session with our coach!!!!)

After the initial session with the coach, I found their claims to be inaccurate. First, I asked the coach about his experience in this field of internet sales and he would not give a straight answer. The best he would say was, "I have fooled around with it." He did everything he could to focus me on the task at hand and avoid this question. I was originally told that I would be dealing with an experienced coach.

Later in the coaching session, I was told that if I wanted to do drop shipping (which is one of the main forms of business they promote), I would need to pay a $60 to $70 fee to acquire a list of companies that drop ship. We were also told that we would need to pay an additional monthly fee for a website, pay charges to a company called The Tax Club and pay additional charges for a website (monthly hosting fee) based on the number of products we sold on our site. Also, we were told by our coach that we would need to attend tele-classes to supplement our coaching all to a long distance number!

We were baffled at all of the additional costs after only the first session when our promise from Francois had been that there would be no further costs. Because of the lies we had been told, we contacted the company to stop the sessions, with a plan of discontinuing this service and receiving a refund.

A couple of weeks later I contacted the company to seek a full refund. I called Francois to see what I needed to do about this. I called on numerous occasions for a couple of weeks. I was told he was: busy, out of the office, on a call, not available, etc. Despite leaving numerous voice messages, my phone call was never returned. I eventually called at the right time. After explaining my dissatisfaction, he told me that he could not do anything about this and I needed to talk with Eric Largent. He gave me a number to contact Eric Largent.

I called and left a message. He returned my call a few days later (approximately December 28, 2004) and I was not there to take the call so he left a message to call him back. I called the next couple of weeks and got no response. Finally, I stopped everything I was doing and forced the issue with him (January 13, 2005). I refused to get off of the phone with the operator until I spoke with him directly. They found a way to get me on the phone with Eric at that time. After describing my dissatisfaction with the service, he told me that he is not the one I need to talk to. He told me I need to speak with another individual named Jim Cochran (who I later found is not even a superior to Eric at all, but is in the exact same position as Eric).

He then tells me that he will have Jim call me in the next couple of days. I wait for Jim, but again no call. So I start calling Eric day after day and leaving messages. I got him once or twice and each time he told me that Jim would call later that day. After never hearing from Jim, I decided to force the issue and refuse to get off of the phone with the operator until I spoke with Eric and then refuse to get off with Eric until he got me in touch with Jim Cochran(January 27, 2005).

During the course of our conversation, he said something that made me realize that I could reach Jim Cochran on the same number I was using for Eric. At this point I called the operator and asked to speak with Jim Cochran to eliminate the middle man and go directly to Jim, the man who "can actually do something." After weeks of trying to get in touch with this guy who is "in charge" I started leaving messages for him. I called Jim the evening I found out I could reach him on the same number as Eric.

The next business day when I had not heard from him, I called again. This time the operator promised he would call. He did call soon after my second call (January 28, 2005). He spent the entire conversation (about 30 minutes) berating me and seeking to intimidate me into submitting to him and not seeking restitution. He told me that I was lazy and did not want to work. I explained that I am not lazy and I am not opposed to hard work. I told him that because of his company's deceit I had to turn my energies in on a new position I had just taken and give it my full attention. He told me it was ridiculous that I had waited three months to bring this to their attention.

Of course it had not been three months, it had only been about two and a half since I first got involved with this company and had finally gotten to speak with him. I explained that I had been trying to get in touch with someone who could "do something" for a month and a half. He told me that I had a three day right of rescission on the service (which I later found from research on this particular company they would not have honored anyway).

During the entire conversation I maintained my original complaints and my desire to get a refund. Jim was irritated that I was not intimidated by his style and that I refused to be hustled back into the program. I am certain that he has bullied many people into submitting to him. During the conversation, he continued to show his lack of maturity by name calling and using profanity. He responded to my final attempts at being assertive & unwilling to give in by mimicking the Capital One commercial with David Spade. He began saying, "No, Ee-I-Ee-I-No; Marco, Po-No in reference to my request for a full refund. At this point it had been about 30 minutes of conversation and all I could say at this point was, "We'll see about that," and hung up.

After hanging up with Jim I was angry enough that I decided to do the research I should have done before buying anything from them to start with. I found out that others have been scammed and lied to by this organization. Through an internet search engine, I found a ripoff report.com with several individuals with almost identical stories to mine (including the intimidating phone conversation with Jim.) Because of this search and the kindness of other individuals who had been in my same position, I was able to find the real name of this company which is "Summit Consulting."

I found out that this company attempts to hide their identification under the name The Summit Group (Why would any legitimate company need to do this?). The receptionist answers the phone Corporate Offices. When asked who Jim Cochran and Eric Largent work for she told me The Summit Group. If you go on the Utah BBB, you will find that no such company exists. When you look under their real name - Summit Consulting you find a listing under the BBB and they have horrible ratings (which is difficult to get with the BBB).

Evidently, I am not the first person who was dissatisfied with their services and I am not the only person they have treated with disrespect when attempting to receive a refund. The problem is that they hide behind fictitious names and use intimidation tactics to keep you from pursuing the refund you deserve.

AUTHOR: Barbara - (U.S.A.)

SUBMITTED: Friday, November 04, 2005

POSTED: Friday, November 04, 2005

We found out tonight when we called Auctions for Success, that they are tied with IDI and I have now figured out the Auctions 4 Income is the Success Team and all tied together. They try to get people so confused they don't know who they are complaining about, so they won't complain. These people really do need to be stopped. I am about to get a refund for my initial investment to IDI, but what about the Tax Club, Advantage Corporation, the extra monthly fees and my life! I put almost 1 year into this and will never see anything for the hard work and loss of time. I was always careful and still let some idiot lead me to believe we could do better...Never Again!!!!

AUTHOR: Kyra - (U.S.A.)

That is bolongy! cut ties my foot! they are attached just as my money is these names have shown up on id within the most recent of days and months.

The times when IDI has called their phone #id gave the names Summit, STG inc., PMI, WASATCH, Coaching for Summit, National Marketing Resource (NMR), and of course IDI. AKA Global Solutions Group INC. 10220 Wicker Ave.
Saint John,IN 46373-9439
Customer Service number 219-365-4005 is attached to this address. I am sure these people are in so deep that there will be tons of other people that will be able to fill in the other puzzling things that keep being done.

Of course, look for them to change that sense they are being exposed on a daily basis.

When I called the operator to find where geographically these numbers were located, he said that they roll from the same place (Provo,Utah) but was called Eletric Lightwave Inc. UMMMM! sounds to me like it maybe the same skunk stinking up more lives has they trade their stink on NYSE (symbol IDIB). Let the Secruties Exchange Commission (SEC) know how they get their money and the FCC. Contact the Wall Street Journal, National Review Magazine, and WRITE!(don't call)the Utah ATTY. General etc.

These people need to be stopped!

There are way to many people that have been victimized and all have the same story as you and me. Their operations are criminal. Why, else would they operate in so many different names. After all, when a customer is dissatisfied anywhere else with a product 9 times out of 10 you get your money back!
Most companies take phone calls and try to show a little Customer Service. They (IDI or IDI Global) run and hide because they know they are being criminal.

Just as Adam and Eve did after they ate off the tree, they were told not to eat from. God came looking for them and they hid.

AUTHOR: Barbara - (U.S.A.)

SUBMITTED: Friday, October 21, 2005

POSTED: Friday, October 21, 2005

IDI may have broken all ties with Summit Group, but they are still doing the same scam, just under a different name. I have been stuck in this night mare for almost 1 year and am trying hard to get out. I am digging more and more, the more I read. Unfortunately, I was really trying to make something of our site instead of trying to get our monies back.

AUTHOR: Barbara - (U.S.A.)

SUBMITTED: Friday, October 21, 2005

POSTED: Friday, October 21, 2005

IDI may have broken all ties with Summit Group, but they are still doing the same scam, just under a different name. I have been stuck in this night mare for almost 1 year and am trying hard to get out. I am digging more and more, the more I read. Unfortunately, I was really trying to make something of our site instead of trying to get our monies back.

AUTHOR: Kevin - (U.S.A.)

SUBMITTED: Tuesday, February 15, 2005

POSTED: Tuesday, February 15, 2005

Today 2/15/2005 I was contacted by Erik Largin from Summit Consulting. Surprisingly enough it was because of a complaint I filed with the Better Business Bureau (or it could have been my filing on all affiliates as well). He was very compliant and was genuinely seeking a resolution.

Let me first tell you all that I did since my first filing of this report. I located all businesses involved with Summit Consulting on the Better Business Bureau in their locales. I looked up Bright Builders, Auctions for Income, Electronic Clearing House and I filed a complaint against all involved. I must say too that I implicated IDI in this, but when I contacted them told me they had cut ties with Summit Consulting 5 months ago (my apologies to IDI). I also found out the name of the CEO of Summit Consulting and called and left a message with him about my dissatisfaction with their services and my run-in with Jim Cochran. I never heard back from him. I also looked up Dave Espino's (Auctions For Income) email online and sent an email to him concerning the situation. I told him that I was surprised that he allowed such an incompetent company to associate with his organizations which seemed to be fairly classy (although I later found that the BBB ratings on his company were not very good). I also told him that I was going to report AFI and all other affiliates of Summit Consulting to the appropriate government authorities unless I got the money that I felt was stolen from me. I was in the process of digging up any dirt on Colton Moody, the CEO of Summit Consulting, and any lawsuits or pending litigation against Summit Consulting (I did not get far enough to really find anything out because I was contacted by Erik Largin before I paid the fee to get the information).

Back to my converstion with Erik Largin. He apologized for the way I was treated by Jim Cochran. He asked what they could do to remedy the situation and satisfy me. I told him that I wanted a full refund of my original investment and the $29.95 I was charged by Bright Builders for the web hosting that I never made use of. I also told him that I would like a written apology from Jim for the way he treated me on the phone (which I won't hold my breathe for). He asked if I had recieved and opened the software from Bright Builders. I told him I had, but I had not used it and did not even know how to use it. He then offered me $6,000 back of the $6,495. He cited the fact that I had already opened the software as why he was only offering $6,000. I told him that I would only be satisfied with a full refund because I would not have recieved the software apart from being in the program. I told him I would delete it from my computer and send the software back, if he felt it was necessary. I have no use for it. I said that we could part on amicable terms and I would report to the BBB that everything was handled to my satisfaction when contacted by them, if he would refund the full amount of my original investment and credit the $29.95 back to my credit card for the web hosting. He said he was not authorized to offer anymore than $6,000. I asked him how long it might take to get an answer on the full refund. He told me he would have an answer by the following day. I asked that he contact me on my cell phone. Twenty minutes later I recieved a call from Meagan from their Customer Service department who told me that Erik had authorized a full refund of the $6,495 and she would see to it that the $29.95 was credited back to my credit card, if I would contact the BBB when I recieved the refund check and report that the complaint had been handled to my satisfaction. I promised that I would most assuredly do that as soon as I recieved the check. She then emailed a Refund Authorization Form for me to sign and fax and mail back. She said that they would cut the check for the refund as soon as they recieved the fax. That was today. I will report as soon as I recieve the check.

It has been about one week since I recieved my "Rip-Off Report, Do-It-Yourself Guide" and I am getting a refund of my full purchase price. I was in the process of slowly pursuing this refund by doing what was prescribed in the book (in the late evenings because my job requires a large amount of my daytime hours) when I got a call from Summit Consulting offering the refund. Thanks Ed and staff for the effective process described in the "Do-It-Yourself Guide." to Rip-off Revenge and your money back too. I was prepared to follow it to the T, but as the book tells you, "most of the time companies respond by step one or two." That happened here. I was encouraged to be persistent and calmly pursue this company and all affiliates. If you are having trouble getting a refund that you deserve, you need to buy this book. Follow the steps. They really work. Don't give up. Also don't neglect the power of the Better Business Bureau either. Thanks again.

AUTHOR: Kevin - (U.S.A.)

SUBMITTED: Tuesday, February 15, 2005

POSTED: Tuesday, February 15, 2005

Today 2/15/2005 I was contacted by Erik Largin from Summit Consulting. Surprisingly enough it was because of a complaint I filed with the Better Business Bureau (or it could have been my filing on all affiliates as well). He was very compliant and was genuinely seeking a resolution.

Let me first tell you all that I did since my first filing of this report. I located all businesses involved with Summit Consulting on the Better Business Bureau in their locales. I looked up Bright Builders, Auctions for Income, Electronic Clearing House and I filed a complaint against all involved. I must say too that I implicated IDI in this, but when I contacted them told me they had cut ties with Summit Consulting 5 months ago (my apologies to IDI). I also found out the name of the CEO of Summit Consulting and called and left a message with him about my dissatisfaction with their services and my run-in with Jim Cochran. I never heard back from him. I also looked up Dave Espino's (Auctions For Income) email online and sent an email to him concerning the situation. I told him that I was surprised that he allowed such an incompetent company to associate with his organizations which seemed to be fairly classy (although I later found that the BBB ratings on his company were not very good). I also told him that I was going to report AFI and all other affiliates of Summit Consulting to the appropriate government authorities unless I got the money that I felt was stolen from me. I was in the process of digging up any dirt on Colton Moody, the CEO of Summit Consulting, and any lawsuits or pending litigation against Summit Consulting (I did not get far enough to really find anything out because I was contacted by Erik Largin before I paid the fee to get the information).

Back to my converstion with Erik Largin. He apologized for the way I was treated by Jim Cochran. He asked what they could do to remedy the situation and satisfy me. I told him that I wanted a full refund of my original investment and the $29.95 I was charged by Bright Builders for the web hosting that I never made use of. I also told him that I would like a written apology from Jim for the way he treated me on the phone (which I won't hold my breathe for). He asked if I had recieved and opened the software from Bright Builders. I told him I had, but I had not used it and did not even know how to use it. He then offered me $6,000 back of the $6,495. He cited the fact that I had already opened the software as why he was only offering $6,000. I told him that I would only be satisfied with a full refund because I would not have recieved the software apart from being in the program. I told him I would delete it from my computer and send the software back, if he felt it was necessary. I have no use for it. I said that we could part on amicable terms and I would report to the BBB that everything was handled to my satisfaction when contacted by them, if he would refund the full amount of my original investment and credit the $29.95 back to my credit card for the web hosting. He said he was not authorized to offer anymore than $6,000. I asked him how long it might take to get an answer on the full refund. He told me he would have an answer by the following day. I asked that he contact me on my cell phone. Twenty minutes later I recieved a call from Meagan from their Customer Service department who told me that Erik had authorized a full refund of the $6,495 and she would see to it that the $29.95 was credited back to my credit card, if I would contact the BBB when I recieved the refund check and report that the complaint had been handled to my satisfaction. I promised that I would most assuredly do that as soon as I recieved the check. She then emailed a Refund Authorization Form for me to sign and fax and mail back. She said that they would cut the check for the refund as soon as they recieved the fax. That was today. I will report as soon as I recieve the check.

It has been about one week since I recieved my "Rip-Off Report, Do-It-Yourself Guide" and I am getting a refund of my full purchase price. I was in the process of slowly pursuing this refund by doing what was prescribed in the book (in the late evenings because my job requires a large amount of my daytime hours) when I got a call from Summit Consulting offering the refund. Thanks Ed and staff for the effective process described in the "Do-It-Yourself Guide." to Rip-off Revenge and your money back too. I was prepared to follow it to the T, but as the book tells you, "most of the time companies respond by step one or two." That happened here. I was encouraged to be persistent and calmly pursue this company and all affiliates. If you are having trouble getting a refund that you deserve, you need to buy this book. Follow the steps. They really work. Don't give up. Also don't neglect the power of the Better Business Bureau either. Thanks again.

AUTHOR: Kevin - (U.S.A.)

SUBMITTED: Tuesday, February 15, 2005

POSTED: Tuesday, February 15, 2005

Today 2/15/2005 I was contacted by Erik Largin from Summit Consulting. Surprisingly enough it was because of a complaint I filed with the Better Business Bureau (or it could have been my filing on all affiliates as well). He was very compliant and was genuinely seeking a resolution.

Let me first tell you all that I did since my first filing of this report. I located all businesses involved with Summit Consulting on the Better Business Bureau in their locales. I looked up Bright Builders, Auctions for Income, Electronic Clearing House and I filed a complaint against all involved. I must say too that I implicated IDI in this, but when I contacted them told me they had cut ties with Summit Consulting 5 months ago (my apologies to IDI). I also found out the name of the CEO of Summit Consulting and called and left a message with him about my dissatisfaction with their services and my run-in with Jim Cochran. I never heard back from him. I also looked up Dave Espino's (Auctions For Income) email online and sent an email to him concerning the situation. I told him that I was surprised that he allowed such an incompetent company to associate with his organizations which seemed to be fairly classy (although I later found that the BBB ratings on his company were not very good). I also told him that I was going to report AFI and all other affiliates of Summit Consulting to the appropriate government authorities unless I got the money that I felt was stolen from me. I was in the process of digging up any dirt on Colton Moody, the CEO of Summit Consulting, and any lawsuits or pending litigation against Summit Consulting (I did not get far enough to really find anything out because I was contacted by Erik Largin before I paid the fee to get the information).

Back to my converstion with Erik Largin. He apologized for the way I was treated by Jim Cochran. He asked what they could do to remedy the situation and satisfy me. I told him that I wanted a full refund of my original investment and the $29.95 I was charged by Bright Builders for the web hosting that I never made use of. I also told him that I would like a written apology from Jim for the way he treated me on the phone (which I won't hold my breathe for). He asked if I had recieved and opened the software from Bright Builders. I told him I had, but I had not used it and did not even know how to use it. He then offered me $6,000 back of the $6,495. He cited the fact that I had already opened the software as why he was only offering $6,000. I told him that I would only be satisfied with a full refund because I would not have recieved the software apart from being in the program. I told him I would delete it from my computer and send the software back, if he felt it was necessary. I have no use for it. I said that we could part on amicable terms and I would report to the BBB that everything was handled to my satisfaction when contacted by them, if he would refund the full amount of my original investment and credit the $29.95 back to my credit card for the web hosting. He said he was not authorized to offer anymore than $6,000. I asked him how long it might take to get an answer on the full refund. He told me he would have an answer by the following day. I asked that he contact me on my cell phone. Twenty minutes later I recieved a call from Meagan from their Customer Service department who told me that Erik had authorized a full refund of the $6,495 and she would see to it that the $29.95 was credited back to my credit card, if I would contact the BBB when I recieved the refund check and report that the complaint had been handled to my satisfaction. I promised that I would most assuredly do that as soon as I recieved the check. She then emailed a Refund Authorization Form for me to sign and fax and mail back. She said that they would cut the check for the refund as soon as they recieved the fax. That was today. I will report as soon as I recieve the check.

It has been about one week since I recieved my "Rip-Off Report, Do-It-Yourself Guide" and I am getting a refund of my full purchase price. I was in the process of slowly pursuing this refund by doing what was prescribed in the book (in the late evenings because my job requires a large amount of my daytime hours) when I got a call from Summit Consulting offering the refund. Thanks Ed and staff for the effective process described in the "Do-It-Yourself Guide." to Rip-off Revenge and your money back too. I was prepared to follow it to the T, but as the book tells you, "most of the time companies respond by step one or two." That happened here. I was encouraged to be persistent and calmly pursue this company and all affiliates. If you are having trouble getting a refund that you deserve, you need to buy this book. Follow the steps. They really work. Don't give up. Also don't neglect the power of the Better Business Bureau either. Thanks again.

AUTHOR: Kevin - (U.S.A.)

SUBMITTED: Tuesday, February 15, 2005

POSTED: Tuesday, February 15, 2005

Today 2/15/2005 I was contacted by Erik Largin from Summit Consulting. Surprisingly enough it was because of a complaint I filed with the Better Business Bureau (or it could have been my filing on all affiliates as well). He was very compliant and was genuinely seeking a resolution.

Let me first tell you all that I did since my first filing of this report. I located all businesses involved with Summit Consulting on the Better Business Bureau in their locales. I looked up Bright Builders, Auctions for Income, Electronic Clearing House and I filed a complaint against all involved. I must say too that I implicated IDI in this, but when I contacted them told me they had cut ties with Summit Consulting 5 months ago (my apologies to IDI). I also found out the name of the CEO of Summit Consulting and called and left a message with him about my dissatisfaction with their services and my run-in with Jim Cochran. I never heard back from him. I also looked up Dave Espino's (Auctions For Income) email online and sent an email to him concerning the situation. I told him that I was surprised that he allowed such an incompetent company to associate with his organizations which seemed to be fairly classy (although I later found that the BBB ratings on his company were not very good). I also told him that I was going to report AFI and all other affiliates of Summit Consulting to the appropriate government authorities unless I got the money that I felt was stolen from me. I was in the process of digging up any dirt on Colton Moody, the CEO of Summit Consulting, and any lawsuits or pending litigation against Summit Consulting (I did not get far enough to really find anything out because I was contacted by Erik Largin before I paid the fee to get the information).

Back to my converstion with Erik Largin. He apologized for the way I was treated by Jim Cochran. He asked what they could do to remedy the situation and satisfy me. I told him that I wanted a full refund of my original investment and the $29.95 I was charged by Bright Builders for the web hosting that I never made use of. I also told him that I would like a written apology from Jim for the way he treated me on the phone (which I won't hold my breathe for). He asked if I had recieved and opened the software from Bright Builders. I told him I had, but I had not used it and did not even know how to use it. He then offered me $6,000 back of the $6,495. He cited the fact that I had already opened the software as why he was only offering $6,000. I told him that I would only be satisfied with a full refund because I would not have recieved the software apart from being in the program. I told him I would delete it from my computer and send the software back, if he felt it was necessary. I have no use for it. I said that we could part on amicable terms and I would report to the BBB that everything was handled to my satisfaction when contacted by them, if he would refund the full amount of my original investment and credit the $29.95 back to my credit card for the web hosting. He said he was not authorized to offer anymore than $6,000. I asked him how long it might take to get an answer on the full refund. He told me he would have an answer by the following day. I asked that he contact me on my cell phone. Twenty minutes later I recieved a call from Meagan from their Customer Service department who told me that Erik had authorized a full refund of the $6,495 and she would see to it that the $29.95 was credited back to my credit card, if I would contact the BBB when I recieved the refund check and report that the complaint had been handled to my satisfaction. I promised that I would most assuredly do that as soon as I recieved the check. She then emailed a Refund Authorization Form for me to sign and fax and mail back. She said that they would cut the check for the refund as soon as they recieved the fax. That was today. I will report as soon as I recieve the check.

It has been about one week since I recieved my "Rip-Off Report, Do-It-Yourself Guide" and I am getting a refund of my full purchase price. I was in the process of slowly pursuing this refund by doing what was prescribed in the book (in the late evenings because my job requires a large amount of my daytime hours) when I got a call from Summit Consulting offering the refund. Thanks Ed and staff for the effective process described in the "Do-It-Yourself Guide." to Rip-off Revenge and your money back too. I was prepared to follow it to the T, but as the book tells you, "most of the time companies respond by step one or two." That happened here. I was encouraged to be persistent and calmly pursue this company and all affiliates. If you are having trouble getting a refund that you deserve, you need to buy this book. Follow the steps. They really work. Don't give up. Also don't neglect the power of the Better Business Bureau either. Thanks again.

AUTHOR: Paul - (U.S.A.)

SUBMITTED: Monday, February 07, 2005

POSTED: Monday, February 07, 2005

The three days requirement gives people a chance to think over what they have committed to. In the high pressure atmosphere of a sales pitch, people tend to give in to smooth taking con artists. Once they get out of there, they realize they have made a mistake. They have 3 days to rescind the sale.

Of course, in your case, your money was gone the minute it hit their bank account. You could have called back three minutes later and it wouldn't have mattered. Once you hand it over, you're done. No refunds. No rebates. No returns.

Perhaps, you can pressure your bank or card issuer to unwind the deal. It's worth a try.